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Germany. A fucker broke my arm with his car driving reckless. I paid nothing. 3 days of hospital, a surgery at my thumb (ligament tear) and several physiotherapy sessions. I also wouldn't have had to pay anything if it had been my fault. The idea behind this insurance system is, that they want you to go to work again as soon as possible. Because they also pay out sick pay. Your company pays for the first 6 weeks, then it's the insurance.
Interesting; in the US the driver who broke your arm would have to pay for your medical treatment, normally out of their automobile’s liability insurance but if they don’t have enough they would still be liable to pay for it. There are lawyers who make their entire career out of lawsuits on behalf of people injured in car crashes to make the insurance pay more. Not just the medical bills but paying for the time missed from work and other compensation. If the driver doesn’t have sufficient insurance or the driver flees the scene (hit and run) and remains unknown or uncaptured (since that makes the criminal charges much more serious), the victim could be out of luck, though.
I think a typical car insurance policy comes with coverage of $150k per injured person, though, so that’s usually sufficient.
Yea I don't know how their and my boss' insurance cleared it up. I was on my way to work (by bicycle), so it wasn't even my insurance, counts as a work accident. Tho if there was no other insurance involved, mine would have paid stuff.
My ex boss himself could also get back some thousands for the loss of working hours, not sure if he did.
I don't know too much about car insurance, because I've always been a fuck cars guy. But I know that you must have car liability insurance if you own a car here.
I also still could sue him for compensation for pain and suffering myself.